Su Kangbao's insurance coverage is

Su Kangbao is a universal supplementary medical insurance product specially designed for Suzhou people, and its coverage includes:

1. Medical expenses in medical insurance coverage.

During the insurance period, the medical expenses incurred by the insured due to illness or accident in line with Suzhou medical insurance policy shall be reimbursed by Suzhou social medical insurance, and the rest of personal expenses shall be borne by themselves within the scope of medical insurance reimbursement.

The annual compensation limit is 65,438+0,000,000 yuan, and the deductible is 65,438+0,000 yuan, 80% of those who have not suffered from malignant tumors in the past and 50% of those who have suffered from malignant tumors in the past.

2. Medical expenses outside medical insurance coverage

During the insurance period, the medical expenses incurred by the insured due to illness or accident that conform to the medical insurance policy of Suzhou are reimbursed by Suzhou Social Medical Insurance, and the rest of personal expenses conform to the catalogue of serious illness insurance and are not covered by medical insurance reimbursement.

The annual compensation limit is 500,000 yuan and the deductible is 20,000 yuan. Those who have not suffered from malignant tumors in the past pay 50%, and those who have suffered from malignant tumors in the past pay 50%.

3. The cost of purchasing drugs for specific malignant tumors

During the insurance period, the insured needs to be prescribed by a specialist in a designated hospital, and purchase drugs within the scope of payment in a designated pharmacy according to the Catalogue of Drugs for Specific Malignant Tumors of Su Kangbao.

The annual compensation limit is 500,000 yuan, and the deductible is 20,000 yuan. Those who have not suffered from malignant tumors in the past are 80%, and those who have suffered from malignant tumors in the past are 0%.

2. What are the advantages of Su Kangbao?

1. Coverage is wide: some cities' customized insurance can only reimburse self-sufficient and compliant out-of-pocket expenses, while "Su Kangbao" can not only reimburse these expenses, but also reimburse out-of-pocket expenses that cannot be reimbursed by TAs.

2. The agreement on past diseases is loose: Su Kangbao's past diseases are only malignant tumors, and chronic diseases such as hypertension and heart disease can be reimbursed according to the standard of healthy people.

3. A large number of specific drugs: "Su Kangbao" has 22 kinds of purchased tumor drugs, covering 14 kinds of cancer diseases such as liver cancer, breast cancer and leukemia, with a large number of drugs and a wide range of diseases.

4. A large number of outsourced pharmacies: There are 1 1 designated pharmacies outsourcing 22 kinds of cancer drugs in Su Kangbao, which are not limited to Suzhou, and have a wide range of pharmacies, which is more convenient for patients.

3. What are the shortcomings of Su Kangbao?

1. The reimbursement rate is low: Su Kangbao is only reimbursed 50% for hospitalization outside medical insurance regardless of health or illness, while healthy people who use similar products can be reimbursed 80%.

2. The deductible is higher: There are as high as 30,000 deductibles inside and outside the "Su Kangbao" medical insurance catalogue, plus 20,000 deductibles for specific drugs, and the three guarantees add up to 50,000 deductibles, which is equivalent to reimbursement of more than 50,000 yuan.